...is missing in the Request | 1. Look up the Transaction in ASSIST.A. Verify that the Date of Birth appears in ASSIST on the Request page of the Transaction. If the Date of Birth appears in the Request, have the Agent rerun the Transaction. If the Date of Birth does not appear in the Request, have the Agent rerun the transaction by manually entering the ID # and Date of Birth.2. Look up the Customer File in the Admin Console.A. Verify that the Date of Birth appears on file. If the Date of Birth appears on file, have the Agent rerun the transaction by using the Customer ID #. If the Date of Birth does not appear on file, update if allowed according to the Customer Update Guidelines, and have the Agent rerun the Transaction. | Response Error Code: 102Primary Error Text: ID Type MissingDescription: Request is missing the ID Type (DL, SSN, CID, or ATL ID) | 1. Look up the Transaction in ASSIST.A. Verify that the ID # appears in ASSIST on the Request page of the Transaction. If the ID # appears in the Request, have the Agent rerun the Transaction. If the ID # does not appear in the Request, have the Agent rerun the transaction by manually entering the ID # and Date of Birth.2. Look up the Customer File in the Admin Console.A. Verify that the ID # appears on file. If the ID # appears on file, have the Agent rerun using the Customer ID #. If the ID # does not appear on file...
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...identifier of a customer | Name | VARCHAR2(50) | Name of the customer. This name is printed on documents, such as invoices and account statements. | InvoiceAccount | NUMBER(5,0) | Invoice account, to which the customer is linked. The invoice account is the account to which the invoice amount is debited. In the event there is not a specific invoice account, the customer’s account is used in this field. | CrediMax | NUMBER(8,0) | Maximum amount that the selected customer is allowed to have as an outstanding account balance.This amount is always stated in the default currency of the customer. | CountryRegionId | INTEGER | Country/region of the customer address. | Address1 | VARCHAR2(100) | First part of street or postal address line | Address2 | VARCHAR2(100) | Second part of street or postal address line | City | VARCHAR2(50) | City of the customer address | ZIpCode | VARCHAR2(5) | Postal/ZIP code of the customer address. This code is often used for searching and sorting. | State | VARCHAR2(2) | State of the customer address. This field is often used for searching and sorting. | Telephone | VARCHAR2(20) | Customer’s contact telephone number | PaymMode_Typical | INTEGER | Stored, typical payment mode of the customer. Related to PaymMode table | LineOfBusinessID | INTEGER | Customer’s type of business. Used for reporting. Related to LineOfBusiness table | ------------------------------------------------- CustTrans All kinds of customer transactions are recorded...
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...Housing Finance Companies Dear Sir, GUIDELINES ON ‘ KNOW YOUR CUSTOMER’ & ‘ANTI MONEY LAUNDEERNG MEASURES’ FOR HFCs Please refer to our Circular NHB(ND)/DRS/POL. No. 13/2006 dated April 10, 2006 and circulars issued subsequent thereto from time to time on the above subject advising Housing Finance Companies (HFCs) to ensure that a proper policy framework on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ is put in place with the approval of their Board. In this connection we wish to inform that the said Guidelines have since been reviewed in the light of subsequent developments including amendments in the Prevention of Money Laundering Act and Rules framed there under.The revised Guidelines on ‘Know Your Customer‘ and ‘Anti money Laundering Measures’ that are to be followed are enclosed. HFCs are advised to amend their existing policy framework keeping the above Guidelines in view with the approval of their Board within one month from the date of issue of this circular and ensure their strict compliance. A copy of the modified policy should be sent to the National Housing Bank. Please acknowledge receipt. Yours faithfully, (R.S.Garg) General Manager Department of Regulation and Supervision Annexure : Guidelines on ‘Know Your Customer’ and ‘Anti Money Lending Measures’. GUIDELINES ON ‘KNOW YOUR CUSTOMER’ AND ANTI-MONEY LAUNDERING MEASURES 'Know Your Customer' Guidelines The objective of ‘Know Your Customer (KYC) Guidelines’ is to prevent housing finance companies (HFCs)...
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...Describe the characteristics of transaction processing systems and the role they play in business [15] A transaction process system refers to an information processing system for business transactions that involves the collection, modification and retrieval of all transaction data of an organization .It can also referred to as an event that generates or modifies data that is eventually stored in an information system. A transaction process system also monitors transaction programs, a special kind of programmes, manages data that must be left in a consistent state for example if an electronic payment is made, the amount must be either both withdrawn from one account and added to the other, or none at all. In case of a failure preventing transaction completion, the partially executed transaction must be rolled back by the transaction process system. Characteristics of transaction process systems Rapid Response It has fast performance with a rapid response time is critical. Businesses cannot afford to have customers waiting for a TPS to respond, the turnaround time from the input of the transaction to the production for the output must be a few seconds or less. Reliability Many organisations rely heavily on their TPS; a breakdown will disrupt operations or even stop the business. For a TPS to be effective its failure rate must be very low. If a TPS does fail, then quick and accurate recovery must be possible. This makes well–designed backup and recovery procedures essential...
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...Analysis February 3, 2014 Use Cases Need cash? When a customer decides that he or she needs to process a withdrawal from their bank account that action is exactly that, a process. The customer first inserts their ATM into the card reader slot and expects that the transaction will go by smoothly and uneventful, but things could possibly go wrong. If the card reader is not able to read the card, it will eject the card and display an error message on the screen. Examples of an error message may include “Error Code 1” which would me that the system has timed-out while trying to process your request. If the system is able to successfully read the card, it will move on to ask for the customer’s pin number. The system will, in a matter of seconds, verify that the pin number entered is in fact correct and if so continue with the process. As soon as the pin number is verified, it will than display a menu of various options. Among that list of options, the customer will find the option to withdraw money. And this will be the beginning of a new process. Once the card has been inserted, read, accepted, and authenticated by the system; the withdrawal transaction will begin. This withdrawal transaction has many steps that need to be followed. First off, the system will display the question on the screen asking the customer to choose whether to withdraw from a savings or checking account. In the event that the customer selects to withdraw from a type of account that she or he does...
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...narrative describes the process and flow of data when a bank customer uses their debit or credit card when withdrawing funds from their account. The use case actors in this scenario are the bank itself and the customer. As a pre-verified condition, the following has already been introduced or pre-existing already within the bank location: a network connection within the bank and to the ATM, an ATM on-site and cash available for withdrawals from the ATM. * In this use case, the ATM withdrawal is consistent with that of data flow and customer selected options, similar to the process of a flow chart. This particular use case scenario, the following events are completed to withdraw funds from an ATM account: (Step 1) The use case begins when a customer inserts their debit/credit card into the ATM. (Step 2) After use case is initialized, the ATM network must validate the customer by requesting for card PIN. (Step 3) Various options are presented for the customer including balance, transfer, withdrawal, fast cash, etc. As part of this use case scenario, the customer wants a withdrawal transaction from the ATM. (Step 4) Customer selects “Withdrawal” from the available accounts shown on ATM display. (Step 7) ATM displays the amount a customer may withdraw with pre-determined amounts ($10, $20, $30, etc.) or “Other” option for customer to request a specific amount not displayed on screen. (Step 8) Debit/Credit card number, customer account, card PIN, selected cash amount and selected bank...
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...multiple locations in a large geographical area in order to provide their customers with the best service. All ATMs will provide customers with a method for input and output. This device utilizes a secure communications combined with centralized banking functions and systems and will allow customers to perform various transactions via the ATM such as: * Fund Transfers * Deposits * Withdrawals All of these functions and others present the customer with a method to conduct their banking transactions from almost every other ATM machine in the world (Bellis, 2012). ATM – Withdrawal Function The functions of withdrawal within an ATM usually require the customer to confirm from which account they want to withdrawal prior to specifying the dollar value that they would like to withdraw. This is usually presented in the form of a pre-determined list of values. The ATM will next communicate with the financial institutions in question to make a determination if there are sufficient funds available in the customer’s account to support the desired transaction and if so the details of the transaction are sent to the bank. The amount requested is then provided to the customer along with a receipt. In the case that there are insufficient funds, the customer will receive a message via the ATM display and be provided with the option of selecting a lower amount, changing accounts, changing transactions or cancelling...
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...technology that makes order transactions lead to miscommunication or loss of records due to the manual work. Customers complain because of bad communication in the transaction of orders that might decrease the sales of the business. In the present days, JBM motorcycle parts and accessories use manual work for their transactions. The company sells motorcycle parts and accessories that consists of numerous items that they only show their customers a paper catalog on what items they sell. Order/ reservation transactions are made through phone calls or walk-in and are only recorded on paper that the owner sometimes miss to check often because of more orders coming. The location of the company store is only known by their friends, family members and other known person that makes them want to advertise their shop through online website. Some walk-in customers waste their time when items they look for are not available on the store. Also, the company owner wanted to monitor the business when out of the country. Technology eases the work loads of every company because customers can access their store through online website. Order/reservation transaction became less hassle to record because it is automatically recorded when a transaction is made. The Reservation and Inventory System will help the company manage the transactions. The importance of this system is to provide an inventory system that can manage the stocks of the items especially when transactions are made; it also provides...
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...lessened 5. Security of internet transactions 6. Conclusion 7. References Abstract This assignment discusses whether e-business is secure or not, tells what customers should be afraid of and what should they check while making transactions in the internet. It explains how and why organisations have to make e-business and Internet transactions more secure on example of Joseph’s food business. Introduction Lack of security is one of the major problems associated with the operation of e-commerce. This means that customers mainly use internet sites for reviewing online catalogues of products and services and researching company’s profiles, but they are unwilling to use their credit cards in the internet for making purchases and other transactions via the Internet. In the last few years, there has been an increased interest and attempt to offer customers and other stakeholders secure e-business environment to increase purchases and transactions over the Internet and to encourage an interest in online delivery of goods and services. Therefore Internet businesses are trying to make their e-commerce more secure to transform their potential customers, who only examine catalogues in the internet, into actual customers and other stakeholders, who purchase goods and services in the Internet. Security concerns of e-commerce. To make customers and other stakeholders mere interested in purchasing goods and services and making other transactions in the Internet, companies must...
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...Many organizations work with large amounts of data. Data are the basic values or facts and are organized in a database. Many people think of data as synonymous with information; however information actually consists of data that has been organized to help answer questions to solve problems. An information system is defined as the software that helps organize and analyze data. So, the purpose of an information system is to turn raw data into useful information that can be used for decision making in an organization. Sources: Study.com A hierarchy chart beside shows that there are many different types of information system can be divided into categories based on the where they are used in the hierarchy of an organization. For example, Transaction Processing System for worker used, Management Information Systems for Middle Managers used, Decisions Support Systems for senior managers used and Executive Information System for executive used. There are some general types of information systems. For example, a database management system (DBMS) is a combination of software and data that makes it possible to organize and analyze data. DBMS software is typically not designed to work with a specific organization or a specific type of analysis. Rather, it is a general-purpose information system. Another example is an electronic spreadsheet. This is a tool for basic data analysis based on formulas that define relationships among the data. For example, we can use a spreadsheet to calculate...
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...Customer service is a process for providing significant value added benefit to the supply chain in a cost-effective way. It is also providing a continuing link between the times that the order is placed and the goods are received with a purpose to satisfy the customer needs. In the customer service there have 3 elements that involved. They are pre-transaction, transaction and post-transaction. The pre- transaction, there have several factors in the customer service which need to be done before the real transaction made. In this element also, there have four examples method need to use such as written service customer policy, accessibility, the organization structure and system flexibility. Transaction element in the customer service is the elements directly related to the physical transaction and are those that are most commonly concerned with logistics. There have several element also involves in this type of element such as condition of goods, inventory availability, order preparation, service or order cycle time, delivery alternatives, delivery reliability and order status information. The third element is post-transaction, the post-transaction means, which involve those element that occur after the delivery has taken place. In this element consist five methods that used during post-transaction such as invoicing procedures, invoicing accuracy, product tracing, return policy, availability of spares, call-out time and customer complaints and procedures. In conclusion, the...
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...(in a one to two (1-2) page narrative) a use case, complete with typical and alternate courses, that documents the event of a bank customer withdrawing money from an ATM. 2. Illustrate the use case using Visio or a similar product. 3. Describe (in a one to two (1-2) page narrative) a use case dependency for making an account deposit. Illustrate this use case with Visio or a similar product. 4. Describe (in a one to two (1-2) page narrative) a use case dependency for making an account transfer. Illustrate this use case with Visio or a similar product. 5. Identify and explain at least one (1) ethical issue that the use case exposes in connection with the development or use of the ATM system. 6. Research and cite at least three (3) authoritative academic sources Use case diagrams in ATM usage CIS210 Use case diagrams of an ATM system Use case diagrams are pictorial representations of different process involved during a specific operation. They are used in modeling real world interaction of system modules and the outside user during the systems analysis stage of software development. They are used mainly in the representation of how the software works in defining the requirements analysis. Use case diagrams in this field are used to represent the interactions between the bank customer and the system, which is the ATM (Automatic Teller Machine) (Rajaraman, 2004). Use case diagrams illustrations User ACTOR: in...
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...3.2.1. Overdrafts/Credit Cards etc. Conventional banks offer the facility of overdrawing from account of the customer on interest. One of its form is use of credit card whereby limit of overdrawing for customer is set by the bank. Credit card provides dual facility to customer including financing as well as facility of plastic money whereby customer can meet his requirement without carrying cash. As for facility of financing is concerned that is not offered by Islamic banks except in the form of Murabaha (which means IFI shall deliver the desired commodity and not the cash) however facility to shop/meet requirement is provided through debit card whereby a customer can use his card if his account carries credit balance. Under conventional banking a customer is charged with interest once the facility availed however under Murabaha only profit is due when the commodity is delivered to the customer. Furthermore in case of default customer is charged with further interest for the extra period under conventional system however extra charging is not allowed under Murabaha. (Vol. 2 No. 2; February 2011, pg 170, Differences and Similarities in Islamic and Conventional Banking Muhammad Hanif) Credit cards can offer certain advantages to the holder. Firstly, they provide easy means of obtaining credit for an interest free credit period from a week to a mouth. Secondly, credit card can easily be used to withdraw cash over the counter or from an Automated machine (ATM).Furthermore...
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...card for e-commerce transactions. The ‘State Bank Virtual' card can be created by a customer using the bank's Internet Banking facility with transaction rights.The product allows the user to create a virtual card for any online transaction and the customer is not required to share the details of the principal account on the merchant Web site, said the bank in a statement.The new product is a convenient and secure gateway to online payment for SBI's Internet banking users. Among the features of the virtual card are: no charges on creation of the card and the customer can create any number of cards at the same time. The card is created for each online transaction and is valid for a maximum of 48 hours.There is no transfer of balance from the principal account inasmuch as only a lien is marked on the account. The minimum amount with which the card can be loaded with is Rs 100. Transfer of balance takes place only when the customer does the actual transaction online. | From E-Group, Banking-NewsSBI launches virtual debit cardState Bank Virtual Card to curb online fraudsLalatendu MishraThe Mail TodayPublished on April 23, 2012 | Mumbai, April 22: For people who are scared of using their debit and credit cards or Internet banking for online shopping due to fear of fraud , the State Bank of India (SBI) has introduced a virtual debit card called State Bank Virtual Card that addresses all such concerns.The electronic card can be created by the account holder or customer using SBI's Net...
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...problems due to design flaws. It was very easy to import and export from Excel with very simple and easy applications. There was a way to manipulate the data whichever way needed and by the end of the tutorial the team member felt that they were very knowledgeable on the software and felt confident in using it. Although more expensive, we feel it is much more effective and an overall better program. IDEA Tutorial 1. Attached are the 4 random pages from the report. 2. a) Willspo Yip, customer #60300, had the highest balance. b) Andrew Sarabia, customer #20039, had the lowest balance. The median balance in the joined Summarized Transactions and Customer-Database1 was $1689.18. 3. Attached is the pivot table exported into excel. 4. a) The number of customers listed in the Sales Transaction Report was 303. b) The customer with the largest amount of purchases in Sales Transactions is customer #92431. c) The customer with the largest outstanding balance is customer #60300. d) There were a...
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